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Home Mf Research Aditya Birla Sun Life Retirement Fund 40s Plan Regular Plan Growth
Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Retirement Fund - 40s Plan Regular Plan - Growth

Solution Oriented Solution Oriented Retirement
Fund House : Aditya Birla Sun Life Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
NAV (as on 2025-06-20)
18.72 0.88%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
2.07%
Expense Ratio (Direct)
0.84%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-13 ₹1,000.00 ₹1,004.83
0.48 %
Two Week 2025-06-05 ₹1,000.00 ₹1,001.98
0.20 %
One Month 2025-05-21 ₹1,000.00 ₹1,011.51
1.15 %
Three Months 2025-03-24 ₹3,000.00 ₹3,101.55
3.38 %
Six Months 2024-12-23 ₹6,000.00 ₹6,295.55
4.93 %
One Year 2024-06-20 ₹12,000.00 ₹12,642.57
5.35 %
Three Year 2022-06-21 ₹36,000.00 ₹45,180.65
25.50 %
Five Year 2020-06-22 ₹60,000.00 ₹82,773.24
37.96 %
Since Inception 2019-03-11 ₹77,000.00 ₹114,185.22
48.29 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Aditya Birla Sun Life Arbitrage Fund - Growth - Direct Plan - Debt 35.95
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth - Debt 35.79
Aditya Birla Sun Life Corporate Bond Fund - Growth - Direct Plan - Debt 22.05
Aditya Birla Sunlife Floating Rate Fund - Direct Plan - Growth - Debt 6.03
Clearing Corporation of India Limited - Debt 13.06
Net Receivables / (Payables) - - 2.26
ICICI Bank Limited Banks Equity 1.93
HDFC Bank Limited Banks Equity 2.23
Larsen & Toubro Limited Construction Equity 0.51
Hindustan Petroleum Corporation Limited Petroleum Products Equity 2.33
LTIMindtree Limited IT - Software Equity 2.26
Tech Mahindra Limited IT - Software Equity 0.48
AU Small Finance Bank Limited Banks Equity 2.09
Godrej Consumer Products Limited Personal Products Equity 0.52
State Bank of India Banks Equity 0.88
Bharat Petroleum Corporation Limited Petroleum Products Equity 1.97
Jindal Steel & Power Limited Ferrous Metals Equity 1.94
Eternal Limited Retailing Equity 0.23
Cipla Limited Pharmaceuticals & Biotechnology Equity 0.18
ICICI Lombard General Insurance Company Limited Insurance Equity 1.79
Axis Bank Limited Banks Equity 0.77
Sun Pharmaceutical Industries Limited Pharmaceuticals & Biotechnology Equity 0.64
Reliance Industries Limited Petroleum Products Equity 3.24
Kirloskar Oil Eng Ltd Industrial Products Equity 1.72
Adani Ports and Special Economic Zone Limited Transport Infrastructure Equity 1.70
Prestige Estates Projects Limited Realty Equity 1.65
SBI Life Insurance Company Limited Insurance Equity 0.28
GAIL (India) Limited Gas Equity 1.57
Hindalco Industries Limited Non - Ferrous Metals Equity 0.85
SJS Enterprises Pvt Limited Auto Components Equity 0.42
Kajaria Ceramics Limited Consumer Durables Equity 1.56
InterGlobe Aviation Limited Transport Services Equity 1.51
AIA Engineering Limited Industrial Products Equity 1.45
V-Guard Industries Limited Consumer Durables Equity 0.07
Bajaj Finserv Limited Finance Equity 1.44
Titan Company Limited Consumer Durables Equity 0.90
Kotak Mahindra Bank Limited Banks Equity 0.32
Praj Industries Limited Industrial Manufacturing Equity 0.24
Cummins India Limited Industrial Products Equity 1.23
Balrampur Chini Mills Limited Agricultural Food & other Products Equity 1.21
eClerx Services Ltd. Commercial Services & Supplies Equity 1.20
Angel Broking Limited Capital Markets Equity 1.20
APL Apollo Tubes Limited Industrial Products Equity 1.19
Fortis Healthcare Limited Healthcare Services Equity 0.88
Affle (India) Limited IT - Services Equity 1.16
Coforge Limited IT - Software Equity 1.84
Home First Finance Company India Limited Finance Equity 1.10
Persistent Systems Limited IT - Software Equity 1.09
Emcure Pharmaceuticals Ltd Pharmaceuticals & Biotechnology Equity 1.08
L&T Technology Services Limited IT - Services Equity 1.04
JK Cement Limited Cement & Cement Products Equity 1.03
Avenue Supermarts Limited Retailing Equity 0.37
TVS Motor Company Limited Automobiles Equity 1.03
Atul Limited Chemicals & Petrochemicals Equity 1.02
Cyient Limited IT - Services Equity 1.01
Bajaj Finance Limited Finance Equity 1.75
BSE Limited Capital Markets Equity 0.31
Greenply Industries Ltd Consumer Durables Equity 0.99
Eureka Forbes Ltd Consumer Durables Equity 0.98
Sobha Limited Realty Equity 0.96
Craftsman Automation Ltd Auto Components Equity 0.96
Mahanagar Gas Limited Gas Equity 0.92
Shivalik Bimetal Controls Ltd Industrial Products Equity 0.92
Sona BLW Precision Forgings Limited Auto Components Equity 0.33
ALEMBIC PHARMACEUTICALS LIMITED Pharmaceuticals & Biotechnology Equity 0.91
Cholamandalam Investment and Finance Company Limited Finance Equity 0.10
NTPC Limited Power Equity 0.20
IPCA Laboratories Limited Pharmaceuticals & Biotechnology Equity 0.84
Bikaji Foods International Ltd Food Products Equity 0.72
United Breweries Limited Beverages Equity 0.70
Poonawalla Fincorp Limited Finance Equity 0.70
Metro Brands Limited Consumer Durables Equity 0.69
The Federal Bank Limited Banks Equity 0.58
PI Industries Litmited Fertilizers & Agrochemicals Equity 0.64
VRL Logistics Limited Transport Services Equity 0.55
Blue Star Limited Consumer Durables Equity 0.53
Supreme Industries Limited Industrial Products Equity 0.47
Orient Electric Ltd. Consumer Durables Equity 0.43
CreditAccess Grameen Limited Finance Equity 0.26
Government of India (17/04/2030) - Debt 3.02
Infosys Limited IT - Software Equity 0.78
Bharti Hexacom Limited Telecom - Services Equity 3.18
UltraTech Cement Limited Cement & Cement Products Equity 0.80
SAI Life Sciences Ltd Pharmaceuticals & Biotechnology Equity 2.63
TD Power Systems Limited Electrical Equipment Equity 0.60
Brigade Enterprises Limited Realty Equity 2.28
Bajaj Auto Limited Automobiles Equity 0.56
Dixon Technologies (India) Limited Consumer Durables Equity 0.52
SBFC Finance Ltd Finance Equity 0.41
Max Financial Services Limited Insurance Equity 0.85
Oil & Natural Gas Corporation Limited Oil Equity 1.16
Vedanta Limited Diversified Metals Equity 1.13
Torrent Pharmaceuticals Limited Pharmaceuticals & Biotechnology Equity 0.44
Bank of Maharashtra Banks Equity 0.35
CIE Automotive India Ltd Auto Components Equity 1.01
Mrs Bectors Food Specialities Limited Food Products Equity 0.30
Voltas Limited Consumer Durables Equity 0.88
Whirlpool of India Limited Consumer Durables Equity 0.32
Thermax Limited Electrical Equipment Equity 0.80
H.G. Infra Engineering Limited Construction Equity 0.27
Vinati Organics Limited Chemicals & Petrochemicals Equity 0.43
Bank of Baroda Banks Equity 0.37
TIMKEN INDIA LTD Industrial Products Equity 0.60
Birlasoft Limited IT - Software Equity 0.38
Container Corporation of India Limited Transport Services Equity 0.15
Medi Assist Healthcare Services Ltd Insurance Equity 0.21
8.55% HDFC Bank Limited (27/03/2029) - Debt 5.93
Government of India (14/08/2033) - Debt 20.19
Government of India (22/04/2064) - Debt 9.01
State Government Securities (24/06/2025) - Debt 5.73
Government of India (06/02/2033) - Debt 9.13
0% GOI - 16DEC25 STRIPS - Debt 0.25
Bharti Airtel Limited Telecom - Services Equity 1.06
METROPOLIS HEALTHCARE LIMITED Healthcare Services Equity 0.96
Apollo Hospitals Enterprise Limited Healthcare Services Equity 0.42
Abbott India Limited Pharmaceuticals & Biotechnology Equity 0.24
Government of India (08/04/2026) - Debt 42.47
Government of India (05/12/2033) - Debt 17.25
State Government Securities (28/12/2026) - Debt 1.44
State Government Securities (14/10/2025) - Debt 1.35
State Government Securities (31/03/2026) - Debt 1.15
State Government Securities (12/08/2025) - Debt 0.28
State Government Securities (06/11/2025) - Debt 0.11
0% GOI - 06MAY30 STRIPS - Debt 5.69
Aditya Birla Sun Life Arbitrage Fund - Growth - Direct Plan - Debt 35.95
Aditya Birla Sun Life Banking & PSU Debt Fund- Direct Plan-Growth - Debt 35.79
Aditya Birla Sun Life Corporate Bond Fund - Growth - Direct Plan - Debt 22.05
Aditya Birla Sunlife Floating Rate Fund - Direct Plan - Growth - Debt 6.03
Clearing Corporation of India Limited - Debt 13.06
Net Receivables / (Payables) - - 2.26
ICICI Bank Limited Banks Equity 1.93
HDFC Bank Limited Banks Equity 2.23
Larsen & Toubro Limited Construction Equity 0.51
Hindustan Petroleum Corporation Limited Petroleum Products Equity 2.33
LTIMindtree Limited IT - Software Equity 2.26
Tech Mahindra Limited IT - Software Equity 0.48
AU Small Finance Bank Limited Banks Equity 2.09
Godrej Consumer Products Limited Personal Products Equity 0.52
State Bank of India Banks Equity 0.88
Bharat Petroleum Corporation Limited Petroleum Products Equity 1.97
Jindal Steel & Power Limited Ferrous Metals Equity 1.94
Eternal Limited Retailing Equity 0.23
Cipla Limited Pharmaceuticals & Biotechnology Equity 0.18
ICICI Lombard General Insurance Company Limited Insurance Equity 1.79
Axis Bank Limited Banks Equity 0.77
Sun Pharmaceutical Industries Limited Pharmaceuticals & Biotechnology Equity 0.64
Reliance Industries Limited Petroleum Products Equity 3.24
Kirloskar Oil Eng Ltd Industrial Products Equity 1.72
Adani Ports and Special Economic Zone Limited Transport Infrastructure Equity 1.70
Prestige Estates Projects Limited Realty Equity 1.65
SBI Life Insurance Company Limited Insurance Equity 0.28
GAIL (India) Limited Gas Equity 1.57
Hindalco Industries Limited Non - Ferrous Metals Equity 0.85
SJS Enterprises Pvt Limited Auto Components Equity 0.42
Kajaria Ceramics Limited Consumer Durables Equity 1.56
InterGlobe Aviation Limited Transport Services Equity 1.51
AIA Engineering Limited Industrial Products Equity 1.45
V-Guard Industries Limited Consumer Durables Equity 0.07
Bajaj Finserv Limited Finance Equity 1.44
Titan Company Limited Consumer Durables Equity 0.90
Kotak Mahindra Bank Limited Banks Equity 0.32
Praj Industries Limited Industrial Manufacturing Equity 0.24
Cummins India Limited Industrial Products Equity 1.23
Balrampur Chini Mills Limited Agricultural Food & other Products Equity 1.21
eClerx Services Ltd. Commercial Services & Supplies Equity 1.20
Angel Broking Limited Capital Markets Equity 1.20
APL Apollo Tubes Limited Industrial Products Equity 1.19
Fortis Healthcare Limited Healthcare Services Equity 0.88
Affle (India) Limited IT - Services Equity 1.16
Coforge Limited IT - Software Equity 1.84
Home First Finance Company India Limited Finance Equity 1.10
Persistent Systems Limited IT - Software Equity 1.09
Emcure Pharmaceuticals Ltd Pharmaceuticals & Biotechnology Equity 1.08
L&T Technology Services Limited IT - Services Equity 1.04
JK Cement Limited Cement & Cement Products Equity 1.03
Avenue Supermarts Limited Retailing Equity 0.37
TVS Motor Company Limited Automobiles Equity 1.03
Atul Limited Chemicals & Petrochemicals Equity 1.02
Cyient Limited IT - Services Equity 1.01
Bajaj Finance Limited Finance Equity 1.75
BSE Limited Capital Markets Equity 0.31
Greenply Industries Ltd Consumer Durables Equity 0.99
Eureka Forbes Ltd Consumer Durables Equity 0.98
Sobha Limited Realty Equity 0.96
Craftsman Automation Ltd Auto Components Equity 0.96
Mahanagar Gas Limited Gas Equity 0.92
Shivalik Bimetal Controls Ltd Industrial Products Equity 0.92
Sona BLW Precision Forgings Limited Auto Components Equity 0.33
ALEMBIC PHARMACEUTICALS LIMITED Pharmaceuticals & Biotechnology Equity 0.91
Cholamandalam Investment and Finance Company Limited Finance Equity 0.10
NTPC Limited Power Equity 0.20
IPCA Laboratories Limited Pharmaceuticals & Biotechnology Equity 0.84
Bikaji Foods International Ltd Food Products Equity 0.72
United Breweries Limited Beverages Equity 0.70
Poonawalla Fincorp Limited Finance Equity 0.70
Metro Brands Limited Consumer Durables Equity 0.69
The Federal Bank Limited Banks Equity 0.58
PI Industries Litmited Fertilizers & Agrochemicals Equity 0.64
VRL Logistics Limited Transport Services Equity 0.55
Blue Star Limited Consumer Durables Equity 0.53
Supreme Industries Limited Industrial Products Equity 0.47
Orient Electric Ltd. Consumer Durables Equity 0.43
CreditAccess Grameen Limited Finance Equity 0.26
Government of India (17/04/2030) - Debt 3.02
Infosys Limited IT - Software Equity 0.78
Bharti Hexacom Limited Telecom - Services Equity 3.18
UltraTech Cement Limited Cement & Cement Products Equity 0.80
SAI Life Sciences Ltd Pharmaceuticals & Biotechnology Equity 2.63
TD Power Systems Limited Electrical Equipment Equity 0.60
Brigade Enterprises Limited Realty Equity 2.28
Bajaj Auto Limited Automobiles Equity 0.56
Dixon Technologies (India) Limited Consumer Durables Equity 0.52
SBFC Finance Ltd Finance Equity 0.41
Max Financial Services Limited Insurance Equity 0.85
Oil & Natural Gas Corporation Limited Oil Equity 1.16
Vedanta Limited Diversified Metals Equity 1.13
Torrent Pharmaceuticals Limited Pharmaceuticals & Biotechnology Equity 0.44
Bank of Maharashtra Banks Equity 0.35
CIE Automotive India Ltd Auto Components Equity 1.01
Mrs Bectors Food Specialities Limited Food Products Equity 0.30
Voltas Limited Consumer Durables Equity 0.88
Whirlpool of India Limited Consumer Durables Equity 0.32
Thermax Limited Electrical Equipment Equity 0.80
H.G. Infra Engineering Limited Construction Equity 0.27
Vinati Organics Limited Chemicals & Petrochemicals Equity 0.43
Bank of Baroda Banks Equity 0.37
TIMKEN INDIA LTD Industrial Products Equity 0.60
Birlasoft Limited IT - Software Equity 0.38
Container Corporation of India Limited Transport Services Equity 0.15
Medi Assist Healthcare Services Ltd Insurance Equity 0.21
8.55% HDFC Bank Limited (27/03/2029) - Debt 5.93
Government of India (14/08/2033) - Debt 20.19
Government of India (22/04/2064) - Debt 9.01
State Government Securities (24/06/2025) - Debt 5.73
Government of India (06/02/2033) - Debt 9.13
0% GOI - 16DEC25 STRIPS - Debt 0.25
Bharti Airtel Limited Telecom - Services Equity 1.06
METROPOLIS HEALTHCARE LIMITED Healthcare Services Equity 0.96
Apollo Hospitals Enterprise Limited Healthcare Services Equity 0.42
Abbott India Limited Pharmaceuticals & Biotechnology Equity 0.24
Government of India (08/04/2026) - Debt 42.47
Government of India (05/12/2033) - Debt 17.25
State Government Securities (28/12/2026) - Debt 1.44
State Government Securities (14/10/2025) - Debt 1.35
State Government Securities (31/03/2026) - Debt 1.15
State Government Securities (12/08/2025) - Debt 0.28
State Government Securities (06/11/2025) - Debt 0.11
0% GOI - 06MAY30 STRIPS - Debt 5.69
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
3.14
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Mr. Dhaval Shah (), Mr. Jonas Bhutta (), Mr. Chanchal Khandelwal (), Mr. Harshil Suvarnkar (), Mr. Dhaval Joshi (), Mr. Mohit Sharma (), Mr. Kaustubh Gupta (), Mr. Kaustubh Gupta (), Mr. Harshil Suvarnkar (), Mr. Dhaval Shah (),
  • Expense ration regular : 2.07
  • Expense ration direct : 0.84
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : solution_oriented
Exit load
Nil

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